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For over 120 years, First State Bank has been in the business of helping people with all of their personal banking needs. From checking and savings to money market, we have accounts that are designed to help you meet all of your financial goals. Our friendly, experienced professionals are part of the community and strive to build relationships for the long term. The opportunity to get to know you, our customer, allows us to tailor products and services specific to your needs, setting you up for personal banking success.

Personal Banking Choices

Personal Loans:

  • Home Equity Loans
  • Home Equity Line of Credit
  • Consumer Loans
  • Mortgage Loans


Loans are a part of life. Ready to buy a home, upgrade your vehicle, or complete some home improvements? Our personal loans are a great place to start.

To learn more about the loans we offer, contact us at 701-746-7766.

Home Mortgage Loans

Our experienced lenders are able to streamline the home mortgage loan process and make your home buying experience as easy as possible. When it comes to buying a house, whether it’s your first home, refinancing, or building your dream, it pays to start with a good bank.

First State Bank’s mortgage lending staff will help you get pre-qualified and select the right loan for your need. If you already own a home, we can help lower your current rate or find equity cash out opportunities.

  • Conventional Fixed-Rate Mortgages
  • Adjustable Rate Mortgages (ARMs)
  • Construction Loans
  • Home Improvement Loans
  • Downpayment Assistance Programs
  • Refinancing

Home Equity Loan & Home Equity Line of Credit

The longer you own your home, the more equity you build. That equity can be turned into a cash loan to remodel, add on a deck – or even take a vacation. A home equity line of credit uses the total equity in your home as a line of credit, so you can take out small amounts of money at a time for specific purchases. This is far better than using a credit card or expensive dealer financing, and may even be tax deductible in some cases.

Consumer Loans

We like to think Consumer Loans are our specialty. Whether you’re purchasing a new car or truck, boat or snowmobile, we’re here to help make that dream become a reality.